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What is a business savings account?
A business savings account helps UK businesses set money aside and earn interest on funds not needed day‑to‑day. It supports long‑term goals, protects against unexpected costs and strengthens cash‑flow management.
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Different accounts work in different ways
Business savings accounts vary by access, interest rates and notice periods. Understanding these differences helps you choose the account that best fits how your business manages its money.
Interest rates vary across our business savings accounts depending on access, notice period and account type
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Instant access to your business savings
Earn interest on your business savings with full flexibility.
0.85% - 1.46% AER (variable)
0.85% - 1.45% Gross p.a. (variable)
Withdraw anytime – no notice required
Manage via app, online or phone
Rates are tiered and depend on your balance: £0 - £999,999, £1m - £4,999,999, £5m - £9,999,999 and £10m+
Earn more interest with our 35-day notice account
Higher interest on your business savings when you can give 35 days’ notice.
2.00% AER (variable)
1.98% Gross p.a. (variable)
Higher rate than instant access
35 days’ notice to withdraw
No balance limits
Manage via app, online or phone
Our highest notice account business savings rate
Our highest variable rate for businesses that can plan ahead.
2.75% AER (variable)
2.72% Gross p.a. (variable)
Our highest business savings rate
95 days’ notice to withdraw
No balance limits
Manage via app, online or phone
Note: The interest rate on this account will change to 2.50% AER / 2.47% Gross p.a (variable) on the 22nd April 2026.
Fixed-term business savings account
Earn a fixed return when you lock your funds for a set term.
Fixed interest rate, agreed at opening.
Earned daily, paid at maturity
Flexible terms up to 1 year (minimum balance applies)
No early withdrawals
No maximum balance
Manage by phone
Instant Access to client funds
Manage separate client funds securely and earn interest on their balances.
Instant access to funds
Interest paid quarterly
Manage separate accounts for each client
Ideal for holding client deposits securely
Start managing client funds today in real time
A secure, compliant way to manage third‑party funds online.
Secure, real-time online transactions
Dedicated support when you need it
Exclusively for managing client funds
Flexible currency account for business
Earn more on your currency reserves with easy transfers
Make global payments and boost currency savings
Open with a minimum deposit
Transfer funds easily via Bankline
Business savings accounts: FAQs
Opening a savings account? You could switch your business account too
By completing a full switch using the Current Account Switch Service (CASS), you could also get 2 years' free banking on everyday transactions. Sound good? Learn about switching to NatWest.
Business bank accounts are available to eligible customers who are over 18. Specific account and service eligibility criteria apply.
Your business's projected or existing annual turnover must be below £2m.
The switch will have to be from an eligible business bank account to a NatWest business bank account.
Switch offer is not available to customers switching a Royal Bank of Scotland or Ulster Bank business current account to NatWest.
Not currently available for Mettle accounts. Free banking means the charges for the day to day running of your account (known as your service charges) won’t apply during the free banking period. Charges for unarranged overdrafts, Bankline, international payments and any additional services are not part of the free banking offer. At the end of the free banking period, you’ll be automatically moved to the Standard Tariff.